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    UNDERSTANDING THE IMPORTANCE OF INSURANCE

    Insurance penetration in Kenya has been very low at below 3% of the population. Majority of Kenyans do not have any sort of insurance because of various reasons. Some of these reasons include; lack of education on the importance of insurance, mistrust, myths around insurance, high cost of insurance among others. Some of the myths around insurance are; the belief that the processes involved in insurance such as getting claims are too complicated, perceived...

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    UNDERSTANDING COMPREHENSIVE CAR INSURANCE

    It is important to choose the right kind of insurance for your vehicle and which one will suit you, your family and vehicle better. There are primarily two main car insurance covers namely comprehensive car insurance and third party car insurance. In this article, we are going to look into what a comprehensive car insurance cover is and its benefits. A comprehensive car insurance policy is one of the most preferred type of car insurance,...

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    UNDERSTANDING THE DIFFERENT TYPES OF MOTOR INSURANCE COVERS

    In Kenya, it is mandatory for your vehicle to have a motor insurance cover before being used on a public road. The law of Kenya requires you to display the car insurance certificate on the windshield of your car where it is possible for a police officer to inspect it. The importance of having a motor insurance cover is that, it offers financial security in case one gets into an accident. This means that, the...

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    WHY YOUTH NEED START SAVING EARLY FOR RETIREMENT

    Saving for retirement ensures that you not only live a comfortable life in your golden years but also helps one have the financial freedom. However, in Kenya, latest figures by the Retirement Benefits Authority as at 2019 show only 21 per cent of the working population are part of pension schemes. This leaves at least 12 million people with no sort of retirement or social security fund to rely on when they retire. In a...

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    WHAT IS AN EMERGENCY FUND AND WHY YOU NEED IT

    Two years ago, no one would have predicted that there would be a global pandemic affecting the world. The current pandemic has served as a good reminder on the importance of building an emergency savings fund you can easily tap into during times of financial distress. Having access to liquid savings can lower financial stress for many families especially in times like these. An emergency fund is a cash reserve that is specifically set aside...

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    WHY LIFE INSURANCE COVER IS ESSENTIAL FOR EVERY KENYAN

    Ask most people what life insurance is, and they will tell you it’s a policy you buy that pays money to your family if you pass away. Life insurance is a contract between you and an insurance company. Essentially, it is designed to protect your family and the people depending on you for financial support in the event you lose your income due to critical illness or untimely demise. There are two main types of Life...

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    CIC GENERAL INSURANCE WINS BEST AUTOMOTIVE INSURER IN 2020

    Nairobi, December 17, 2020 –CIC General Insurance, a leading general insurer in Kenya has been declared the Best Automotive Insurer at the Automotive Industry Excellence Awards, 2020. This comes a year after the company won as the Most Preferred Private Vehicle Insurer at the same awards held in 2019. Speaking when receiving the award, CIC Ag Managing Director General Business, Ms. Grace Nzivwa reiterated that the organization has continued to ensure the needs of its...

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    CIC INSURANCE WINS BEST MOTOR INSURER CHEKI AWARD IN 2020

    Nairobi, December 22, 2020- CIC Insurance Group, a leading financial service provider has been named the Best Motor Insurer at the Cheki Awards, 2020. The win comes at a time when the company is repositioning itself to become the market leader in general business, following a recently concluded five-year strategic plan development process, for the period 2021 to 2025. Commenting on the award recognition, GM Marketing and Customer Experience Mr. Joseph Kamiri stated that technology...

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    HEALTH NUGGET: DIABETES MELLITUS AND COVID

    World Diabetes is held on November 14th every year. Globally, someone dies every 8 seconds from diabetes. Over 1.8 million Kenyans aged between 20 and 79 years have diabetes. One out of every four people with diabetes do not know they have it. Diabetes in rapidly increasing in Kenya because of lifestyle changes, from our traditional way of life. What is diabetes mellitus? Diabetes is a medical problem caused by inability of our bodies to breakdown...

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    FINANCIAL WELLNESS DURING AND POST COVID 19

    According to an article by Alex Kessler published in February 2020 in the Centre for financial inclusion magazine, finances are the most common stress factors amongst Kenyans and managing that stress through financial wellness can have real benefits to a person’s health. Financial wellness is the ability to have a healthy financial life. It means your debts are payable and one has ample day to day, emergency and retirement funds. According to the Kenya Bureau...

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    HEALTH NUGGET ON BREAST CANCER AWARENESS

    What is breast cancer? It is a disease in which malignant (cancer) cells form in the breast tissues, in both women and men. It is more common in women than men but more aggressive in men. Why talk about breast cancer now? Several reasons: - 1) Breast cancer is the No. 1 cancer in Kenya. Every year it is estimated that 6,000 (12.5%) Kenyans are diagnosed with breast cancer out of a total of 47,900...

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    WHY HEALTH INSURANCE IS A NECESSITY IN KENYA

    Why health insurance is a necessity in Kenya Martin is a 30-year-old recently employed man who experienced first-hand the importance of having a health cover. Two years ago, Martin’s dad had a heart attack that saw him admitted at one of the best private hospitals in the country. At the end of the first week, his father’s medical bill was a whooping KShs 1.5 million. Luckily, for him, his parents who are civil servants enjoy...

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    DEEP VENOUS THROMBOSIS AND COVID-19

    It is very important to know and do something about prevention deep venous thrombosis with the extension of the lockdown. A. What is Deep Venous Thrombosis (DVT)? This is the clumping of blood cells in the deep-seated veins called clots. Doctors call this deep venous thrombosis. The clots commonly occur in the lower legs, thighs or pelvis. B. How is Covid-19 linked with blood clots? a. Covid-19 as a disease, predisposes us to blood clots. These blood clots...

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    COVID-19 PANDEMIC AND RETURN TO WORK MEASURES

    A. What is new at 21st May 2020? Globally 5.1 million persons have been infected and 6.5 % of these have died. In Kenya • 1,021 people have been infected • 50 people have died • 70 - 80% of the infected do not have symptoms but can transmit the virus It is more than a respiratory tract disease. The virus is known to cause kidney failure, heart failure, digestive tract disease, blood clots, and out of control blood...

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    COVID-19 AND ITS EFFECT ON HOSPITAL VISITS AND ADMISSIONS

    How is the COVID-19 affecting hospital visits and admissions? Hospitals are not safe havens from Covid-19. People from all walks of life come for treatment. Although we try as much as possible to limit cross infections, experience from China and Italy show that the hospital environment is one of the sources of transmission of Coronavirus illnesses. More so, particularly people with other illnesses such as Diabetes, heart Disease and other diseases that reduce one’s immunity. Hospitals...

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    FAMILY PLANNING AND ITS BENEFITS

    What is family planning? Family planning is the use of methods that give you the opportunity to determine when to have children and how far apart they should be. Did you know that family planning has benefits? This is advantageous because it allows you to space the children while keeping in mind availability of resources, which include; time, social, financial and environmental resources. It also important for maintaining health and empowerment of women. Too many children...

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    LETS TALK ABOUT CANCER

    WORLD CANCER DAY 4TH FEBRUARY Did you know that in Kenya? 90 people die every day from cancer? That’s like a fatal accident occurring daily involving 2 bus loads of passengers. Tragic! It does not have to be this way. This is why we must talk about cancer and work to prevent cancer and urge all to get screened periodically. There are nearly 48,000 new cancer cases and 34,000 deaths every year 80% of cancers...

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    HEALTH NUGGETS – CORONAVIRUS

      What is a Coronavirus? It looks like this   Coronaviruses are a class of viruses similar to the previous SARS which killed a total of 700 people years back. These new novel virus known as 2019-nCoV started in China late last year. Since then it has spread rapidly. Is there treatment or a vaccine? No there is none, however Scientists are working on overdrive to see what can be done. Current treatment is basically management of symptoms. Possible complications ...

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    HOME REMEDIES FOR COMMON AILMENTS – PART 2

    FOOD POISONING The commonest symptoms of food poisoning are diaorrhea, stomach cramps, general fatigue and vomiting. These occur about four to eight hours after eating contaminated foods or fluids. In most cases the symptoms last from a few hours to a couple of days. In cases of profuse diaorrhea or vomiting dehydration can set it. The key signs of dehydration include extreme thirst, dark concentrated urine, sunken eyes, irritability or dullness in children, rapid heartbeat,...

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    HOME REMEDIES FOR COMMON AILMENTS – PART 1

    PART 1 QUESTION: Dear Doc. Are there any home remedies that work? Sally Answer: Thank you Sally for your question. Many people are now asking about more natural ways to prevent or cure sickness at the home level. There is a mixed bag of remedies that have mixed results; some work, others have no effect, while others are harmful. Many quacks have taken advantage of this heightened interest and are using the internet to propagate their merchandise. We must...

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    CIC GROUP IMPACTS THE SOCIETY

    In the last five decades, CIC Group has shouldered the risks of Kenyans by offering flexible insurance and financial services built around their needs while keeping our word. CIC Group is governed by the principle of deliberately creating positive impact to the society through promotion of activities that are beyond our core business while serving the interests of our shareholders. Mwamko children rescue center is a home in Soweto slums, Kahawa west that aims at...

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    Why you need a Domestic Insurance Package

    A homeowner or tenant might not see the importance of getting insured but what happens in case of fire, terror attacks, and earthquakes? Having the domestic package puts one’s mind at ease knowing that you’ll be compensated in such cases. Household appliances are protected against theft, explosions and fire while domestic employees are covered from accidental bodily injury or death. CIC Domestic Insurance provides protection in cases of loss or damage to personal property, injury...

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    HEALTH NUGGET – HEART BURN

      Question Hey Doc, of late I have been having terrible heartburn and it seems like those around me are also have the same. I think it gets worse after eating and when I lie down at night. I thought it would go away but it has persisted. What can I do about it? Mrs Jane X   Answer: Sorry to hear you have not been well. Heart burn happens when acid flows the wrong way, from the stomach up...

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    Why you need a Personal Accident cover

    The festive season is here with us, again. As is always the norm, many people travel upcountry to spend the holiday with their families. Still, others find time to sample the various tourist destinations that Kenya has to offer to the locals as well as foreigners. Most people travel during the festive season because it is the only time a number of companies close down and allow employees to take leave. Holiday seasons are...

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    HEALTH NUGGET- DIABETES

    Question: Hello Doc, Thank you for these nuggets.  As usual, they are not only enlightening but also provide a moment for self-evaluation and reflection. Kindly do share on Diabetes. We have recently seen a surge in patients suffering from diabetes in their adult life. How do we prevent this? How do we manage and support so as not to get to a point where one requires dialysis. Many thanks. Be blessed……..XYZ Answer: Thank you XYZ for your request. This month...

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    CIC Jipange Pension Plan: Your partner in retirement

      Jack was a suave and flamboyant young man working for a local NGO in Nairobi. Although he was earning a six-figure salary, his employer did not have a pension scheme. Barely a year after retirement, Jack is now a pale shadow of his former self, having slipped into depression and binge drinking occasioned by a sudden lack of affluence which he previously enjoyed. But Jack is not alone. Due to lack of proper planning for...

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    Road Safety Campaigns Should Now Target Pedestrians

    Despite a myriad of efforts being put in place to curb road carnage, the high number of casualties continues unabated. Data from the National Transport and Safety Authority (NTSA) show that road fatalities have increased by 10 per cent this year compared to 2017. According to the latest statistics survey by the Authority, 2495 people had been killed by October 21 compared to 2,225 who died the same period last year. Pedestrians lead the...

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